Affordable Insurance for a Jeep Compass in Bakersfield

If your goal is the lowest price, then the best way to get affordable Jeep Compass insurance in Bakersfield is to start doing an annual price comparison from insurance carriers in California. Prices can be compared by following these guidelines.

An essential thing to point out is to try to compare similar coverage information on each quote request and and to get rates from as many car insurance companies as possible. Doing this enables the most accurate price comparison and a complete rate analysis.

Insurance rates Jeep Compass in BakersfieldIt’s a known fact that car insurance companies don’t want policyholders to shop around. People who shop around at least once a year will, in all likelihood, move their business because of the good chance of finding a lower-priced company. A recent survey discovered that consumers who regularly compared price quotes saved approximately $3,400 over four years compared to those who never shopped around.

If finding discount rates on Jeep Compass insurance is your ultimate target, then having some knowledge of how to compare insurance coverage can make the process less intimidating.

The easiest way to compare rate quotes for Jeep Compass insurance in Bakersfield is to know the fact car insurance companies will pay a fee to give free rates quotes. The only thing you need to do is spend a couple of minutes providing details like if you require a SR-22, the year, make and model of vehicles, how much coverage you want, and marital status. Your rating data is instantly provided to many highly-rated insurers and they return rate quotes very quickly.

To compare rates for your Jeep Compass now, click here and see if a lower rate is available in Bakersfield.

The providers in the list below can provide price quotes in California. If the list has multiple companies, we suggest you click on several of them in order to find the cheapest rates.

Cheaper rates on Jeep Compass insurance in Bakersfield with these auto insurance discounts

Some insurers don’t always advertise all discounts in an easy-to-find place, so below is a list both the well known as well as some of the hidden discounts that may be available.Auto insurance discounts

Remember that some of the credits will not apply to the entire policy premium. Some only reduce specific coverage prices like comp or med pay. So when the math indicates you can get free auto insurance, you aren’t that lucky.

The diagram below illustrates the difference between Jeep Compass car insurance costs with and without some available policy discounts. The information is based on a male driver, no violations or claims, California state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, homeowner, multi-policy, claim-free, and multi-car discounts applied.

Some of the larger companies that have these discounts possibly include:

Before buying, ask each insurance company what discounts are available to you. Some credits may not apply everywhere. To see insurance companies that offer the discounts shown above in California, click this link.

Rates and other information

The data table displayed below highlights different coverage costs for Jeep Compass models. Being aware of how car insurance premiums are calculated is important for you to make informed decisions.

Jeep Compass Insurance Rates in Bakersfield, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Compass Sport 2WD $378 $564 $578 $34 $174 $1,728 $144
Compass Sport 4WD $434 $686 $578 $34 $174 $1,906 $159
Compass Limited 2WD $434 $686 $578 $34 $174 $1,906 $159
Compass Limited 4WD $434 $686 $578 $34 $174 $1,906 $159
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Prices based on single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Price information does not factor in Bakersfield location which can alter prices greatly.

Should you raise deductibles?

One frequently asked question is which deductibles should you choose. The tables below can help you understand the price difference when you buy lower versus higher coverage deductibles. The first data table uses a $250 comprehensive and collision deductible and the second data table uses a $1,000 deductible.

Jeep Compass insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Compass Sport 2WD $298 $472 $442 $26 $132 $1,395 $116
Compass Sport 4WD $342 $576 $442 $26 $132 $1,543 $129
Compass Limited 2WD $342 $576 $442 $26 $132 $1,543 $129
Compass Limited 4WD $342 $576 $442 $26 $132 $1,543 $129
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Jeep Compass insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Compass Sport 2WD $184 $298 $442 $26 $132 $1,082 $90
Compass Sport 4WD $210 $362 $442 $26 $132 $1,172 $98
Compass Limited 2WD $210 $362 $442 $26 $132 $1,172 $98
Compass Limited 4WD $210 $362 $442 $26 $132 $1,172 $98
Get Your Own Custom Quote Go

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Rate information does not factor in garaging location in Bakersfield which can change auto insurance rates considerably.

Based on the data above, we can derive that using a $250 deductible would cost the average driver about $30 more each month or $360 a year across all Jeep Compass models than buying the higher $1,000 deductible. Due to the fact that you would have to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you average at a minimum 25 months between claim filings, you would probably come out ahead if you choose the higher deductible.

How to determine when to raise your deductibles

Average monthly premium for $250 deductibles: $126
Average monthly premium for $1,000 deductibles (subtract): – $96
Monthly savings from raising deductible: $30
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $30
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 25 months

What Determines Jeep Compass Insurance Costs?

Multiple criteria are used in the calculation when you get your auto insurance bill. Most are fairly basic like an MVR report, but some are less apparent like where you live or how financially stable you are.

You might want pay the small insurance claims yourself – Auto insurance companies in California generally give better rates to policyholders who only file infrequent claims. If you are the type of insured that files lots of claims you can pretty much guarantee increased rates or even have your policy non-renewed. Insurance coverage is intended to be relied upon for claims that pose a financial burden.

Safer cars lower insurance rates – Cars with five star safety ratings tend to have lower insurance rates. Safe vehicles protect occupants better and better occupant protection means lower claim amounts which can mean better rates for you.

Are men or women drivers cheaper? – The statistics show that men are more aggressive behind the wheel. Now that doesn’t mean women are better drivers. Men and women are in accidents at about the same rate, but the male of the species cause more damage and cost insurance companies more money. Men also get more serious tickets such as DWI and reckless driving.

The chart below shows the difference between Jeep Compass annual premium costs for male and female drivers. The premiums are based on a clean driving record, no at-fault accidents, full physical damage coverage, $1,000 deductibles, single status, and no policy discounts are applied.

Insurance rates and your job – Did you know your insurance rates can be affected by your occupation? Careers like real estate brokers, air traffic controllers, and stock brokers have the highest rates in part from high stress and long work hours. Other careers like farmers, athletes and performers receive lower rates.

Lower rates with a multi-policy discount – Most insurers afford lower prices to policyholders who buy several policies from them. It’s known as a multi-policy discount. Discounts can amount to ten or even fifteen percent. Even though this discount sounds good, drivers will still want to check prices from other companies to confirm you are receiving the best rates possible.

Save money by eliminating add-on coverages – There are quite a few additional coverages that you can buy if you aren’t diligent. Coverages for replacement cost coverage, towing, and membership fees may not be needed and are just wasting money. These coverages may sound good initially, but your needs may have changed so eliminate them to save money.

Prices are affected by your address – Living in small towns and rural areas has definite advantages when shopping for auto insurance. Drivers who live in large cities have traffic congestion and longer commute times. Less people living in that area translates into fewer accidents and also fewer theft and vandalism claims.

Teenagers are high risk – Teenage drivers in California are proven to be more careless in a vehicle and because of this, their insurance rates are much higher. If you’ve ever had to add a teen driver to your policy can increase premiums substantially. Older insureds are more cautious drivers, are lower risk to insure, and tend to be get fewer driving tickets.

The next chart uses these assumptions: single driver, full coverage with $100 deductibles, and no discounts or violations.

Loss probability for a Jeep Compass – Companies take into consideration historical loss data for every vehicle when they file their rates in each state. Vehicles that have higher claim frequency or loss amount will be charged more to insure. The next table shows the actual insurance loss data for Jeep Compass vehicles.

For each coverage category, the loss probability for all vehicles averaged together is represented as 100. Values below 100 are indicative of better than average losses, while values that are above 100 indicate frequent claims or tendency to have higher losses.

Auto Insurance Loss Data for Jeep Compass Models
Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Jeep Compass 4dr 2WD 87 135 58 128 124 142
Jeep Compass 4dr 4WD 76 114 63 99 107 106

Data Source: (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Insurance quotes from local neighborhood Bakersfield car insurance agents

Many people just prefer to have an agent’s advice and that is recommended in a lot of cases The best thing about comparing rate quotes online is you may find cheaper premium rates but still work with a licensed agent.

To help locate an agent, after submitting this form (opens in new window), the coverage information is immediately sent to agents in your area who want to provide quotes for your coverage. There is no need to drive around since rate quotes are delivered directly to your email. You can most likely find cheaper rates without having to waste a lot of time. If you have a need to quote rates from one company in particular, you can always search and find their rate quote page and give them your coverage information.

Finding a good insurer should depend on more than just the bottom line cost. Here are some questions you might want to ask.

Listed below are agents in Bakersfield that may be able to provide comparison quotes for Jeep Compass insurance in Bakersfield.

James Stuart – State Farm Insurance Agent
5125 Ming AveBakersfield, CA 93309(661) 831-6266View Map

4300 Coffee Rd, Ste A4Bakersfield, CA 93308(661) 283-0300View Map

3811 Auburn StBakersfield, CA 93306(661) 871-3000View Map

2623 F StBakersfield, CA 93301(661) 829-4499View Map

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Best car insurance in California

Picking a highly-rated auto insurance company can be difficult considering how many different companies insure vehicles in Bakersfield. The company ratings in the next section can help you choose which providers you want to consider when looking for cheaper rates.

Top 10 Bakersfield Car Insurance Companies Overall

  1. USAA
  2. American Family
  3. AAA of Southern California
  4. State Farm
  5. The Hartford
  6. AAA Insurance
  7. GEICO
  8. The General
  9. Titan Insurance
  10. Progressive

Frequent quotes can save

Affordable Jeep Compass insurance in Bakersfield is definitely available from both online companies and with local Bakersfield insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some car insurance companies don’t offer internet price quotes and most of the time these smaller providers provide coverage only through independent agents.

In this article, we covered a lot of information how to compare Jeep Compass insurance premium rates in Bakersfield. The key thing to remember is the more you quote Bakersfield auto insurance, the higher your chance of finding affordable Jeep Compass insurance quotes. Drivers may even discover the most savings is with an unexpected company. Some small companies may only write in your state and offer lower prices compared to the large companies like GEICO and State Farm.

More information is available at these links: